Here at Kinnect Advisors, we understand the ever-evolving nature of business finance, which is why we offer fluid planning strategies to adapt to changing financial landscapes. We’ll keep you organized and help you develop a custom plan that helps you capitalize on your opportunities and minimize your risks so you can keep progressing toward your goals.

We find that the industry standard business financial planning arrangement does not provide the full value that a business and its owners not only want but also need. True succession planning does not start when the business is ready to be put on the market. If you’ve waited until the year you’re ready to retire and transfer the business to begin preparing for your transition, then you might not yield the full potential value of your life’s work. Our team of specialists are trained to address the wealth gap that is present between your traditional retirement and investment assets and the illiquidity of the business. Our comprehensive business planning process can address this gap and seeks to close it. 

An integral piece of any effective financial strategy should include preparing for the unexpected. At Kinnect Advisors, you have access to an array of providers, as well as a team of specialists ready to assist you in determining the most appropriate type of protection. From buy-sell agreement review and funding to protecting the business owner and key people, we are here to make sure that your business continues to operate and thrive even in the unfortunate situation where these insurances and legal structures unexpectedly become necessary. We review the business and business owner insurance suite review and needs analysis. Some of these include:

• Life Insurance
• Disability Insurance
• Property and Casualty
• Key Employee

You’ve spent your life building and growing your business so much that it has become part of your family. Letting go of a family member is extremely difficult and so is transferring and exiting a business. We appreciate the bond that business owners develop with their businesses and the importance of your legacy living on well past your own life. Our team of specialists work with you to determine how you want your business to live on and what is the best way for you to convert your relatively illiquid asset into a source of funding for the next phase of your journey. These are some of the ways that you can transition your business:

• Family Transfer
• Management/Employee Buyout
• ESOP
• Debt Recapitalization
• Private Equity
• Investment Bank

In today’s highly competitive marketplace, a robust employee benefits program is essential to attracting and retaining top talent. Salary is no longer the sole factor in compensation. We help you manage your employee benefit plans with confidence by providing guidance and hands-on, personal service. We take the time to analyze your current employee benefits, including 401(k), profit Sharing, SEP, 403b, Keogh, Simple IRA, Deferred Compensation and Defined Benefit/Cash Balance Plans, Group Medical, Life, Vision, Dental, Short and Long-term Disability and Long-term Care Insurance. These programs encompass investment strategies, insurance, retirement, and estate planning with the goal of mitigating taxes wherever possible. In addition to reviewing your benefits package on an annual basis, specialists will meet with employers and employees to review plan designs, answer questions, and provide general education to plan participants as needed. Our experienced specialists develop tailored solutions for your business through services such as:

• Plan Design
• Plan Implementation
• Plan Service

One of the great unknowns to business owners is the estimated value of their business. Oftentimes, they have a vague idea, but it’s usually based primarily on intuition and not on data and market conditions. We believe that understanding the intrinsic value of your company is vital in being able to plan for the future. Whether that future is one, three, five or twenty-five years down the road, having a firm grasp on any potential gap between what you have and what you will want and need in the future is of paramount importance. This is why we offer a complimentary valuation to our prospects and clients. We also do a market analysis to understand your business and competition.